Compare Hartford, MI Car Insurance Rates (2021)

Car insurance in Hartford, MI averages $730 a month. Hartford, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Hartford car insurance rates, compare quotes from the top car insurance companies in Hartford, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Hartford is USAA
  • The cheapest car insurance company in Hartford for teen drivers is USAA
  • Average car insurance rates in Hartford, MI after a DUI are $14,590/year

If you need to buy Hartford, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Hartford, MI is right here.

You’ll find Hartford car insurance rates, the cheapest Hartford, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Hartford, Michigan car insurance rates to Troy car insurance rates, Lansing car insurance rates, and Livonia car insurance rates.

Ready to find affordable Hartford, MI car insurance today? Enter your ZIP code for fast, free Hartford car insurance quotes.

Cheapest Hartford, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Hartford, MI car insurance rates? Every Hartford, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hartford, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $14,754 $14,754 $13,727 $13,727 $36,543 $36,543 $15,541 $15,541
Farmers $3,701 $3,701 $3,455 $3,455 $8,362 $8,362 $4,159 $4,159
GEICO $3,298 $3,298 $3,367 $3,367 $9,466 $9,466 $3,159 $3,159
Liberty Mutual $13,713 $13,713 $13,578 $13,578 $32,196 $32,196 $13,713 $13,713
Nationwide $3,942 $3,942 $3,505 $3,505 $10,508 $10,508 $4,327 $4,327
Progressive $2,664 $2,492 $2,360 $2,614 $9,709 $10,393 $3,098 $2,898
State Farm $6,284 $6,284 $5,837 $5,837 $22,056 $22,056 $7,376 $7,376
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,587 $2,431 $2,439 $2,291 $6,254 $5,884 $3,129 $2,973

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Minimum Car Insurance in Hartford, MI

Every driver must carry the minimum car insurance in Hartford, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Hartford, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Hartford, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Hartford, MI. Compare credit history car insurance rates in Hartford from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Hartford, Michigan

Insurance Company Poor Fair Good
Allstate $30,523 $16,944 $12,956
Farmers $6,460 $4,312 $3,986
GEICO $6,191 $4,560 $3,716
Liberty Mutual $28,944 $16,719 $9,237
Nationwide $6,950 $5,268 $4,492
Progressive $5,209 $4,398 $3,978
State Farm $16,836 $8,530 $5,800
Travelers $6,813 $6,608 $6,525
USAA $5,224 $2,996 $2,275

Cheapest Hartford, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Hartford, MI to rates for a clean record with top companies.

Annual Hartford, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,719 $13,029 $44,142 $13,674
Farmers $4,137 $5,268 $5,199 $5,073
GEICO $1,705 $3,601 $10,840 $3,144
Liberty Mutual $12,709 $15,412 $28,745 $16,333
Nationwide $4,779 $6,351 $5,780 $5,371
Progressive $3,858 $5,031 $4,528 $4,697
State Farm $6,595 $7,915 $17,151 $9,894
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,815 $3,517 $4,595 $3,066

Cheapest Hartford, MI Car Insurance for Teen Drivers

Teen car insurance in Hartford, MI can be expensive. Take a look at rates from the top car insurance companies in Hartford for teenagers.

Annual Car Insurance Rates for Teen Drivers in Hartford, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,543 $36,543
Farmers $8,362 $8,362
GEICO $9,466 $9,466
Liberty Mutual $32,196 $32,196
Nationwide $10,508 $10,508
Progressive $9,709 $10,393
State Farm $22,056 $22,056
Travelers $13,395 $13,395
USAA $6,254 $5,884

Cheapest Hartford, MI Car Insurance for Seniors

Take a look at Hartford, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Hartford, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,727 $13,727
Farmers $3,455 $3,455
GEICO $3,367 $3,367
Liberty Mutual $13,578 $13,578
Nationwide $3,505 $3,505
Progressive $2,360 $2,614
State Farm $5,837 $5,837
Travelers $3,858 $3,858
USAA $2,439 $2,291

Cheapest Hartford, MI Car Insurance Rates After a DUI

A DUI in Hartford, MI increases car insurance rates. Compare Hartford, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Hartford, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $44,142
Farmers $5,199
GEICO $10,840
Liberty Mutual $28,745
Nationwide $5,780
Progressive $4,528
State Farm $17,151
Travelers $10,331
USAA $4,595

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Cheapest Hartford, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Hartford, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Hartford, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,141 $20,141
Farmers $4,919 $4,919
GEICO $4,714 $4,932
Liberty Mutual $17,672 $18,928
Nationwide $5,570 $5,570
Progressive $4,528 $4,528
State Farm $10,109 $10,668
Travelers $6,611 $6,686
USAA $3,458 $3,539

The Best Cheap Car Insurance Companies in Hartford, MI

Take a look at a side-by-side comparison of the top car insurance companies in Hartford, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Hartford, Michigan

Insurance Company Average Annual Rates
Allstate $20,141
Farmers $4,919
GEICO $4,823
Liberty Mutual $18,300
Nationwide $5,570
Progressive $4,528
State Farm $10,389
Travelers $6,649
USAA $3,498

Category Winners: Cheapest Car Insurance in Hartford, Michigan

Find the cheapest car insurance companies in Hartford, MI for each category right here.

Best Annual Car Insurance Rates by Company in Hartford, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest Hartford, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Hartford car insurance rates. Find the cheapest Hartford, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Hartford, Michigan

Insurance Company Low Medium High
Allstate $19,530 $20,195 $20,698
Farmers $4,786 $4,907 $5,064
GEICO $4,484 $4,777 $5,207
Liberty Mutual $17,826 $18,254 $18,820
Nationwide $5,814 $5,480 $5,417
Progressive $4,401 $4,534 $4,651
State Farm $9,867 $10,453 $10,846
Travelers $6,575 $6,656 $6,715
USAA $3,385 $3,508 $3,602

What affects car insurance rates in Hartford, Michigan?

What factors can have an impact on Hartford, MI car insurance? There are several reasons why Hartford car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Hartford, Michigan.

Commute Time in Hartford

The more time you spend in your car the higher the risk of an accident. The average commute length in Hartford, MI is 21.0 minutes according to City-Data.

Traffic in Hartford

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Hartford, MI traffic data from INRIX ranks Hartford as the 292nd-most congested in the world.

Compare Car Insurance Quotes in Hartford, MI

Ready to find affordable Hartford, Michigan car insurance today? Enter your ZIP code for fast, free Hartford, MI car insurance quotes.

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